My account was first use Feb 09 charge of 6.26, I never got a statement or bill, but recieved e-mail with a note saying your acct can be reviewed, when I pressed the link it prompted me to set up an account. Not wanting to set up a new account, and the e-mail with the "note to see account" was ignored. I never recived a statement by mail or phone call, I found out i owed barclay bank $126 on 7/20/09 due to a letter sent to me by Discover card saying my Discover Card was cancelled due to the Barclay Visa account. I would have continued to incur charges on my Visa account if it were not for the letter from Discover Card and then running a credit report to find I was deliquent on my account. This is all over $6.26 charged in Feb 09. I have now had various credit cards cancelled, my credit report reflects negatively, and I ended up paying the Barclay (LL Bean) credit card 51.37 over the phone for this 6.26 charge Barclay If Barclay group takes this 6.26 charge so serious as to add $100 in late fees and report it to credit agencies I feel I should have some defense in this matter.. I expect a reply or an adjustment in debt collecting and notification